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Quantitative analysis updated February 24, 2026. Data-driven, not AI-generated.
Based on our 6-factor quantitative model, HARTFORD INSURANCE GROUP, INC. receives a Buy rating with a composite score of 66/100, ranking #233 out of 7,333 stocks in our coverage universe.
The stock scores particularly well on Stability (82th percentile). However, its weakest factor is Investment at just the 30th percentile, which investors should monitor.
On a valuation basis, HIG trades at a 19% discount to its sector median P/E, suggesting the market may be underpricing the company's earnings power.
Our composite score is built from six academically-proven factors, each measured as a percentile rank across our entire coverage universe of 7,333 stocks. Higher percentile scores indicate stronger relative performance on that dimension.
HARTFORD INSURANCE GROUP, INC. demonstrates exceptional profitability and financial health. Return on equity, gross margins, and operating margins all rank in the upper tier of the market, indicating a durable competitive advantage and strong management execution.
ROE: 20.1% · Gross Margin: 100.0% · Op. Margin: 18.9% · Net Margin: 14.9%
HARTFORD INSURANCE GROUP, INC. trades at a significant discount to intrinsic value based on multiple valuation frameworks. Price-to-earnings, price-to-book, and EV/EBITDA ratios all suggest the market is underpricing the company's fundamentals.
P/E: 9.7 · P/B: 2.3 · P/S: 1.4 · EV/EBITDA: 5.0
HARTFORD INSURANCE GROUP, INC. displays mixed momentum signals. Price action has been range-bound, with neither strong upward nor downward trends dominating recent trading activity.
Momentum percentile rank indicates price trend strength across 3, 6, and 12 month horizons.
HARTFORD INSURANCE GROUP, INC. is investing aggressively with high asset growth rates. While this may fuel future revenue expansion, academic evidence suggests that rapid investment intensity is often associated with lower subsequent returns.
Revenue Growth: 7.1% · D/E: 24.0%
HARTFORD INSURANCE GROUP, INC. demonstrates notably low price volatility and consistent return patterns. Low-volatility stocks have historically delivered risk-adjusted returns that exceed theoretical predictions (Baker, Bradley & Wurgler, 2011).
Beta: 0.49
HARTFORD INSURANCE GROUP, INC. has short interest levels near the market median. The amount of shares sold short is not unusual and does not represent a significant signal in either direction.
Short interest as a percentage of float, relative to the market universe.
HARTFORD INSURANCE GROUP, INC. is trading near fair value relative to its sector, with a P/E ratio in line with the sector median of 11.9x. The stock is neither cheap nor expensive on a relative basis, suggesting the market has priced in current expectations.
| Metric | HIG | Finance, Insurance, And Real Estate Median | vs. Sector |
|---|---|---|---|
| P/E Ratio | 9.7x | 11.9x | -19% |
| P/B Ratio | 2.3x | 1.2x | +90% |
| P/S Ratio | 1.4x | 2.9x | -49% |
| EV/EBITDA | 5.0x | 7.8x | -36% |
This stock exhibits below-average risk characteristics including low volatility, manageable debt, and stable return patterns. It may serve as a defensive holding in a diversified portfolio.
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Comprehensive fundamental data for HARTFORD INSURANCE GROUP, INC. compared against Finance, Insurance, And Real Estate sector medians. All data sourced from SEC filings and updated daily.
| Metric | HIG | Finance, Insurance, And Real Estate Median |
|---|---|---|
| Market Cap | $41.76B | -- |
| P/E Ratio | 9.7x | 11.9x |
| P/B Ratio | 2.3x | 1.2x |
| P/S Ratio | 1.4x | 2.9x |
| EV/EBITDA | 5.0x | 7.8x |
| Return on Equity | 20.1% | 8.9% |
| Return on Assets | 5.0% | 1.2% |
| Gross Margin | 100.0% | 76.5% |
| Operating Margin | 18.9% | 17.0% |
| Net Margin | 14.9% | 21.5% |
| Revenue Growth | 7.1% | 10.8% |
| Debt / Equity | 24.0% | 0.5% |
| Dividend Yield | 1.6% | 1.9% |
| Beta | 0.49 | -- |
HARTFORD INSURANCE GROUP, INC. earns a Buy rating from our quantitative model, supported by strong factor scores that place it in the top tier of our coverage universe. The combination of solid quality metrics, favorable valuation, and positive momentum creates a compelling investment case. Investors seeking exposure to the Finance, Insurance, And Real Estate sector should consider HIG as a high-conviction opportunity, while maintaining appropriate position sizing and portfolio diversification.
Disclaimer: This analysis is based on quantitative factor models and does not constitute personalized investment advice. Past performance is not indicative of future results. Always consult a qualified financial advisor before making investment decisions.